Driving less is important for many reasons.  Keep in mind, the more miles you drive the more premium you pay for auto insurance.  It’s a good idea to monitor your miles.  There are ways to limit your annual miles driven.

• Carpool at least once a week.
• Take public transportation.
• Bike or walk for short trips.

Not only do these suggestions help to lower your car insurance and miles driven on your car, it also reduces the emissions and pollution we all contribute to our planet.

Let’s talk about personal property coverage.  What is personal property?  I tell my insured’s, an easy way to know what is personal property and to calculate the limits is to ‘turn your house, condo or apartment upside down.  Everything that falls out is your personal property.’

Now, not everyone is going to remember the cost of every piece of property you own, but you can estimate the cost of the item if you don’t have receipts.  Of course, it’s best to keep all your receipts, especially on high price items. [Read the rest of this entry…]

How To Winterize Your Car

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The affordable health care is now up and running. If you don’t have medical insurance, you need to go to the Covered California web site and use their calculators to determine what your assistant tax credit would be. keep in mind, all people need to be insured by January 1, 2013 or face a penalty.

Insure your possessions for catastrophic events, not situations you can cover out of pocket.   Keeping this rule in mind will keep your insurance costs down.   You need to have high deductibles which will keep the premiums low.   Again, any losses below the deductible is your responsibility to pay. [Read the rest of this entry…]

Are you prepared when an earthquake strikes?

• Make sure your water heater is properly secure and strapped.  Securing your water heater is a building code requirement.
• Make sure you have a plan for everyone in the house and don’t panic. [Read the rest of this entry…]

I have not written a post in a couple of months, not because I’m on vacation or ill, but because I haven’t received any questions about insurance from my viewers. [Read the rest of this entry…]